Folks ... I'd to remind everyone that there is a format to use when posting a question in this section.

Assistance provided to this section are voluntary in nature thus I'll appreciate if every one help to stick to those simple rules. This reminder has been posted repeatedly and repeatedly.

1. Annual Income: RM30K to RM60K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Online shopping, airlines ticket, petrol, 0% loan, bill payment.

4. Existing credit cards if any: Maybank Manchester Card.

5. Looking at CC from: Maybank, CIMB, any bank.

6. Others: Prefer cash back than reward point.

Last time I was offered MU CC by phone call. The reason I agree is because the promoter said "If I pay at least minimum amount for each month, there will be no charges." Since it's my first time, I think it's attractive and I said yes.

So I get my self Sony TV for RM2000 with my CC, and I planned to clear the amount in 3-4 month. But I was surprised that I was charged for the balance after carry forward. So I pay again some amount next month and the interest rate charged are decreased. I'm a fool, now I want to cancel this CC and get a better offer CC.

Is there any CC that will not charge you as long you pay the minimum amount before within the given date?

This post has been edited by diaBoliQu3: Sep 20 2013, 07:23 PM

You can Refer to https://forum.lowyat.net/topic/1973206/+2420 My Post #2425 for Your CC Recommendation
&
https://forum.lowyat.net/topic/2243367/+2340 MY Post #2343 Details on 0% Interest Installment Plan

This post has been edited by fly126: Sep 20 2013, 08:25 PM

I am sorry ...the page you requested cannot be found on this server.

Please contact the administrator.

Sorry for the inconvenience.

From link in post #2343. Anyway, which card from that you suggested better for cash rebate including fuel and any online shopping and bill payment?

This post has been edited by diaBoliQu3: Sep 21 2013, 02:00 AM

Sorry... Just Update their Latest Link Now try the Links Below...

Citibank Installment Plan
i) 0% Easy Pay: http://www.citibank.com.my/english/existin...ode=MYECMWAB5LM
ii) Flexi Payment Plan: http://www.citibank.com.my/english/existin...ode=MYECMWAB6LM

You can get Details from There...

This post has been edited by fly126: Sep 21 2013, 02:07 AM

Thanks... Anyway, which card from that you suggested better for cash rebate including fuel and any online shopping and bill payment?

Depends on Your Spending Pattern....
Maybank 2Cards & OCBC Titanium Are The BEST Combo, If You Are Not a BIG Spender...
Coz the of the Cards Max. Cash Rebate Capped on RM 50/ Month (About RM1k Spending /month)
These 2CC's I Recommended Most...

Can Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post 2209-10

If can X Have OCBC Tit. baru Try to get UOB One Card

Actually, I Got 3 from the 4 CC's that I Recommend to You...

As for CIMB Card You can Check Up with their NEW CIMB Cash Rebate Platinum MasterCard at: http://www.cimbbank.com.my/creditcard/inde...pg=cc_lu&ac=17#

This post has been edited by fly126: Sep 21 2013, 03:07 AM

Hmm I want to apply a credit card and supplementary which doest has annual free and NOT those kind of xx swipes per year or spend xx amount to get annual free waived. My annual income is around RM 30k.

What do u guys think and any other recommendation?

EDIT: Hmm about reading from the links given by fly126 I think I gonna apply for

- Maybank Amex (It comes with 2 for 1 sign up?)
- Citibank Clear (For the free 1-1 Friday movie ticket and coffee bean )
- CIMB PETRONAS Gold (For fuel rebate but not sure need to pump up to certain amount only has the rebate?

This post has been edited by NothinUnusual: Sep 21 2013, 06:11 PM

1. Annual Income: RM30K to RM60K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Online shopping, petrol, 0% loan, bill payment.

4. Existing credit cards if any: ---

5. Looking at CC from: Any CC will do as long as they met my requirement

6. Others: Prefer cash back than reward point.

Hi guys, since fuel price increased, it is better for me to sign up for CC that offers discount for fuel.

I rarely spend "future money". Only look for cards that can offer me cheaper fuel, utilities such as phone bills, etc..

Please do recommend the most suitable card based on my requirements, thanks guys!

- Maybank Amex (It comes with 2 for 1 sign up?)
It come with the one amex and one visa/master upon signup.
https://forum.lowyat.net/topic/2819354

- Citibank Clear (For the free 1-1 Friday movie ticket and coffee bean )
Cofffee Bean buy one free one valid only from monday to friday.

- CIMB PETRONAS Gold (For fuel rebate but not sure need to pump up to certain amount only has the rebate?
Cash back at all PETRONAS Stations:
-5% on every first weekend of every month
-2% every other weekend and weekdays
Cap at RM50 per month.

OCBC Titanium, lifetime annual fee come with 5% petrol rebate and 5% rebate on bill payment via ocbc online banking.
https://forum.lowyat.net/topic/2703542

bro, i think half a year ago i was offered by standard chartered 15% fuel discount but I rejected it.. I think I saw Mach offers 10% discount for fuel too is it?

Mach did not offer rebate for fuel
https://www.machbyhongleongbank.com/product...ch-credit-card/

Cash back as in totally no need reach certain amount of pumped petrol? Like need to pump up to RM 300 then only got rebate?

I don't really get it for UOB. From what I read, max cash rebate for OCBC Titanium is RM50 right? Is there any simpler comparison for these two? And how much is max rebate for UOB?

You can find the answer here, 1st post:
https://forum.lowyat.net/topic/2943431

Thanks mate.

CIMB Petronas Gold Card FAQ: http://www.cimbbank.com.my/creditcard/atta...rd_Campaign.pdf

Hi guys, need recommendation here ^^ I just worked for 2 months and I am thinking to get a credit card just for convenience.

1. Annual Income: RM33.6k

2. Free Lifetime Annual Fee: Preferred.

3. Card required for: Mainly will use it for Petrol and pay utility bills.

4. Existing credit cards if any: No

5. Looking at CC from: -

6. Others:
- Heard from the friends that it is better to pay using credit card because there are points and rebate.
- Prefer either CIMB, Hong Leong, Maybank, Ambank, Public Bank, Alliance or RHB because there is a branch near my house for me to pay back easily.

Hope These can Help...

Free for LIFE Credit Card
1) Maybank 2Cards -The benefits of 2 cards, Maybankard 2 American Express® Card & Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, and 1 statement 5% + 5x TreatsPoints Maybankard 2 AMEX (weekends only) https://forum.lowyat.net/topic/2819354

2) CIMB Petronas Gold - Cash back at all PETRONAS Stations:
-5% on every first weekend of every month
-2% every other weekend and weekdays
Cap at RM50 per month. CIMB Petronas Gold Card FAQ: http://www.cimbbank.com.my/creditcard/atta...rd_Campaign.pdf

3) RHB Travel Money - Free for Life subject to 12X Swipes a Year
- 5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide*
*Cash back is based on 20% of total monthly retail spend. Maximum cash back is RM60 per month.
- Free Travel Insurance
RHB Friday Special Promo - Buy 3 get 1 Free GSC, Desa Water Park, etc... or Spend RM30 & get 1 Free at Kenny Roger Roaster, Starbuck,etc...
http://www.rhb.com.my/Whats_New/cards/frid...s/#.UkBlbtKBmpc
More on RHB Travel Money: http://www.rhb.com.my/cards/credit-card/cc...money_main.html

Others,
UOB One Card- Pure Cash Back the BEST Card for Graduates with 5% Off on Petrol, at GSC, 2% Off Groceries, Pharmacist, Telecommunication Bill etc...
Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post 2209-10 for Details
& Also,
Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back...
https://forum.lowyat.net/topic/2760395

P.s: Better Apply Credit Card submit with More (than) 3 Months Salary Slips...This can Proof that or more Secure Look - You got a Confirm Stable Job so that the Bank can Grant You a Credit Card...

This post has been edited by fly126: Sep 24 2013, 03:39 AM